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It it correct that You can use any BCH wallet

as long as you hold the key or secret phrases? For ex: if I use guarda wallet, then Guarda stops supporting or disappear, my fund is still safe then I just need download another wallet app, then import the key or phrases to have full access again?

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if Guarda wallet allows you to export wallet seeds

Yes, if you have your seed phrase you should be able to import it in any BCH wallet. Caveat, I used Guarda once and the backup it gave me was specific to Guarda. So just double check that. But generally yes that's how it's supposed to work, seed phrase works in any wallet.

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